CIBC Dividend® Visa* Card for Students

CIBC Dividend® Visa* Card for Students

The best student credit card with cash back.

Earn $30 cash back†

Welcome Bonus

$30 cash back



Best For

Annual Fee


Purchase Rates

20.99 %

Cash Advance Rates

22.99 %

21.99 % (QC)

Balance Transfer Rates


Welcome Offer: Get $30 cash back after you make your first purchase within the first 4 months†!

Plus, get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food and more†!

  • 2% cash back on eligible grocery purchases
  • 1% cash back on eligible gas, transportation, dining purchases and recurring payments†
  • 0.5% cash back on all other purchases†
  • Ongoing Purchase APR: 20.99%†
  • Cash Advance APR: 22.99% (21.99% QC only)

Get all the student-life essentials on a budget
If you are eligible for a free SPC membership, you automatically get exclusive access to SPC+. Receive bigger discounts and over 450 deals, special experiences and more. Pay no membership fee as a CIBC client with an eligible student or youth product.†

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $0
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 20.99%
Cash Advance Rates 22.99%
Cash Advance Rate (QC) 21.99%


Welcome Bonus $30 cash back
Minimum Spending Required $1
Minimum Spending Timeframe 120 day(s)
Rewards Type Cash Back
Transfer Partners Cashback
Loyalty Program Cashback
All Spending 0.5
Travel 0.5
Local Transport 2
Dining and Food delivery 2
Groceries 2
Convenience Stores 0.5
Gas 2
Drugstores 0.5
Office Supplies 0.5
Telecom/Internet 0.5
Entertainment 0.5
Online transactions 0.5
AIR MILES partners 0.5
Air Canada 0.5
Streaming services 0.5
Recurring Payments 0.5


We estimate the value of the welcome offer during the first year for all the credit card offers. Are taken into consideration:

  • The value of cash back or points earned
  • The value of the benefits or credits earned with the Card
  • The annual fee value (offered or not)

More info on our points and miles evaluation page.


Purchase Protection
Extended Warranty
4.3 Milesopedia Rating